Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$154,188Cash toward the purchase price.
Closing costs + prepaids$20,927Not just lender fees.
Before credits & paid funds$175,115The complete starting cash picture.
Estimated remaining funds due at closing
$175,115No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,188.25
Your down payment$154,188.25
Closing costs + prepaids$20,926.91
Total buyer cash needed$175,115.15
Remaining funds due$175,115.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,200.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,050.00
Initial HOA (3 months)$615.00
Prepaid interest, first (24 days)$2,836.91
Fees + prepaids$20,926.91
Your down payment is the seller’s equity. You take over the $665,812 balance, so the rest of the $820,000 price is paid at closing. A second mortgage can cover part of it. $175,115.15 is due at closing. Uses and sources reconcile at $840,926.91 each. Not a Closing Disclosure.